Getting Low-Cost S Glens Falls Auto Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Trust us when we tell you there are lots of people in the same boat.

Having so many different company options, it's nearly impossible to find the most affordable car insurance company.

What determines how much you pay?

Consumers need to have an understanding of the factors that help determine auto insurance rates. When you know what positively or negatively influences your rates allows you to make educated decisions that could result in big savings.

The following are a few of the "ingredients" companies use to determine premiums.

Choose a safe vehicle and save - Vehicles with good safety scores get lower rates. Safe vehicles result in less severe injuries and better occupant protection means lower claim amounts passed on to you as lower rates.
Do you need those extra coverages? - There are a ton of extra coverages that you can get tricked into buying if you aren't careful. Things like vanishing deductibles, accidental death and motor club memberships are some examples. These coverages may sound good when you first buy your policy, but if you don't need them remove them from your policy.
Where you live - Choosing to live in less populated areas is a positive aspect when buying auto insurance. Urban drivers regularly have more traffic problems and a longer drive to work. Less people living in that area means fewer accidents.
Discounts for multiple policies - Many insurance companies will award you with lower prices to people who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount, you still need to comparison shop to make sure you are getting the best deal. You may still find a better deal by splitting coverages up.
High numbers of claims are not good - Auto insurance companies in New York generally give discounts to drivers who file claims infrequently. If you file claims often, you can expect either a policy non-renewal or much higher rates. Insurance coverage is intended to be relied upon for the large, substantial claims.
A clean driving record saves money - Whether or not you get tickets has a big impact on rates. Only having one moving violation can increase rates twenty percent or more. Good drivers have lower premiums compared to drivers with tickets. Drivers with flagrant tickets like DWI, reckless driving or hit and run convictions are required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to keep their license.
Having a spouse can save you money - Having a spouse can get you a discount on auto insurance. Having a spouse is viewed as being more mature and it's proven that being married results in fewer claims.

Quick S Glens Falls Auto Insurance Quotes

The are a couple different ways to compare rate quotes from auto insurance companies in your area. One of the best ways to find the lowest rates is to get quotes online. This is very easy and can be done in just a few minutes using one of these methods.

The fastest way to get quotes is a comparison rater form click here to open form in new window. This type of form eliminates the need for repetitive form entry to each individual auto insurance company. Completing one form gets rate comparisons direct from many companies.
A harder way to shop for auto insurance online is spending the time to visit the website for every company you want to comare to complete their respective quote request forms. For sake of this example, let's say you want to compare rates from , and . To find out each rate you need to spend time on each company's site and enter your policy data, which is why the first method is more popular.

For a list of links to companies insuring cars in S Glens Falls, click here.

Whichever method you choose, compare apples-to-apples information on every quote you get. If each company quotes higher or lower deductibles it will be impossible to determine which rate is truly the best in S Glens Falls. Slightly different limits can make a big difference in price. Just keep in mind that quoting more provides better odds of finding the best price.

Policy discounts you shouldn't miss

Car insurance companies do not list all available discounts very well, so we took the time to find some of the best known as well as the least known discounts you could be receiving.

Fewer Miles Equal More Savings - Fewer annual miles can earn a substantially lower rate.
Driver Safety - Taking part in a course teaching defensive driving skills could possibly earn you a 5% discount if your company offers it.
Auto/Home Discount - If you insure your home and vehicles with one company you may save approximately 10% to 15%.
Federal Government Employee - Employees or retirees of the government may qualify you for a discount depending on your company.
Paperless Signup - A handful of insurance companies give back up to $50 just for signing your application online.

Keep in mind that some credits don't apply the the whole policy. Some only apply to individual premiums such as liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, it just doesn't work that way.

To choose insurers who offer auto insurance discounts in New York, click here.

Save $429 a year? Really?

21st Century, Allstate and State Farm continually stream television and radio advertisements. All the companies have a common claim that you can save after switching to them. But how can every company say the same thing?

All the different companies are able to cherry pick for the type of driver that makes them money. For example, a profitable customer might be profiled as between the ages of 30 and 50, has no tickets, and has a short commute. A propective insured that hits that "sweet spot" will qualify for the lowest rates and is almost guaranteed to save a lot of money.

Potential customers who don't qualify for this ideal profile must pay a higher premium and this can result in business not being written. The ad wording is "customers that switch" but not "drivers who get quotes" save money. That's the way insurance companies can make the claims of big savings. This illustrates why you need to get as many comparisons as possible. It's not possible to predict which auto insurance company will fit your personal profile best.

Additional detailed information can be found at the New York Department of Financial Services website. New York drivers can find disaster information, discover disciplinary actions, view agent and company licensing information, and read consumer alerts.

Other informative sites include this resource for New York auto insurance prices and this page of S Glens Falls insurance agents.

Final considerations

Affordable auto insurance can be purchased on the web and with local S Glens Falls insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance providers do not offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

As you shop your coverage around, do not reduce coverage to reduce premium. There are a lot of situations where an insured dropped physical damage coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to get the best coverage possible at a price you can afford while not skimping on critical coverages.